Debt Management Plans

Part 3 of How to Choose a Credit Counselor. If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency may recommend that you enroll in a debt management plan. A Debt Management Plan alone is not credit counseling, and Debt Management Plans are not for […]


Using Off-Peak Power to Heat Water

Part 4 of Energy-Efficient Water Heating. Most consumers use more hot water in the evenings and mornings than at other times of the day. For those who have an electric water heater, this usage contributes to the electric utility company’s “peak load,” or the largest amount of power demand that they have to meet on […]


Energy-Efficient Water Heating

Part 1 of Energy-Efficient Water Heating. The next time you pay your utility bill, try one simple calculation. Divide the total amount by seven. The result is the amount you spend to heat your water. (If you receive separate utility bills for gas and electricity, use the gas bill for this calculation if you have […]


Investing in Solar Thermal Technologies

Part 3 of Heat Your Water With The Sun. Why should I invest in a solar thermal system? The first question many people ask when considering a home expense is, “How much will it cost?” The answer depends on the type of system, how you want to use it (water or pool heating, for example), […]